Reader Chloe is a teenager, a college freshman, and she is creeped out by the ads for Chase credit cards that keep popping up on Facebook. Why? Because they want to give her “points” toward Twilight books in exchange for applying for, and using a student credit card.

Chloe says:

I’m not one to start hand-wringing over credit card company marketing tactics, but the new Chase ads that’ve been popping up on, of all things, Facebook strike me as a new kind of low for them. I can’t tell if it’s because I’m in the right demographic (young, college freshman, female) or simply happening as a whole, but lo and behold, sponsored ads now appear with the innocuous promise of a free “latest edition of the Twilight series” provided all that you do is take their quiz and, oh, make a purchase with the card they also have you apply for.

It’s like some semilegal hybrid of the sign-up-for-a-free-gift internet scam and the college-student-prey credit card marketing booths, except that instead of some school branded knick knack you get a book aimed rather squarely at preteen girls….and a nearly 19% variable APR credit card. Hey Chase, some of us teens read the fine print, and we can tell when you’re trying to sock it to us….

We can’t tell you how happy we are to get this email, Chloe. It’s as if all of our hard work is actually accomplishing something.

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